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is on the backs of the american taxpayers. charles: this is one of the romney's piece about the president. do you think there is a sense that it won't have to be paid back? >> this is so much different than a home mortgage. you have to save a down payment, you have to have a job that you have to have the income that can be rationally used to pay back the mortgage. a student loan is much different. this will be paid back on the expectation of future earnings of the student. if you look at the ways this is structured right now, clearly the government does not anticipate that some of these borrowers are going to pay this money back. if you do not pay it back over 25 years -- the interest rates and whether these loans are forgiven or paid back at all is ultimately up to congress. we can win the allegiance of all these voters by forgiving their loans. i think it is a very serious possible scenario. charles: overall, student loans have taken over everything at this point. >> you are talking about $588 billion given out to the younger generation. marco rubio pointed out he had personally just finished p
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